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Tuesday, October 17, 2017

10 Outside the Box Money Saving Tips

What's up everyone!  Today I got my mind on my money and my money on my mind.  I've been re-reading the financial masterpiece of Napoleon Hill, Think and Grow Rich.  Chapter 3, where he tells you to picture the amount of money you want to come to you as if it's already in your hands, is so scary and real.  I think most people just get sweaty all over with anxiety from this exercise.  I got excited because things are finally starting to click for me.  I'm getting more cash out of this blog, and I'm getting some traction on my YT Channel, Teacher Homie G, a place where teens can go to get life advice.

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If you've lost momentum in whatever monetary endeavors you've started, remember how powerful the second part of Hill's visualization exercise from Chapter 3 is.  He says that you shouldn't worry about how the money will materialize because sooner or later if you just keep repeating over and over what monetary quantity you want, and what you're willing to do for it, this FAITH will make your desire come true.  You gotta believe, and keep believing, man!

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So I got some more money motivation for ya.  This list of money saving tips is all over the place, but it may inspire you to take action and alter behaviors that could be thinning out your purse or wallet.  Let's get to them. 

1) If you're afraid to open up your water bill each month, chances are you're using too much water.  Go shower at the gym and use theirs.  Use the toilet there while you're at it to save on a flush.

2) My teacher buddy has stopped using Arco.  He claims they "water down" their gas with ethanol.  Apparently, he gets 48 mpg with Shell gas, and only 42 mpg with Arco.  Have you guys noticed this out there?  He's a science teacher like me, and recently drove from Oregon to San Diego so he may be on to something.

3) Instead of buying expensive canned sodas (even in bulk quantities), you should buy a Sodastream for $68.  Carbonate your water at home, throw some lemon juice in it, and bam!...You got yourself a 7-Up or Sprite. 

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4) While on vacation, have one huge meal instead of two.  Find a buffet or all you can eat and pig out.  Get all your calories in one fell swoop and avoid that second outing with your family.  No having to pay for expensive food, or gratuity again.  Snack the rest of the day.

5)  Don't throw away your leftover mayo, ketchup, or mustard packets when you get 'em at fast food restaurants.  The same can be said about any tea honey packs, sugar, or salt you come across.  Napkins too!  The condiment packets I kept have saved me many times at home.  A burger without ketchup is just not a burger.

6)  Japanese style shower (No gym membership required).  Save a ton of water by getting wet, turning off the shower, soap up nice and clean, and then rinse off.

7) Get a Kodi Stream Box instead of paying for cable or an Amazon Firestick.  I have one!  I get to stream American sports with links from Europe.  Shhhh.  Don't tell anyone. 

8) Map out everywhere you go with the maximum number of right turns to save gas and time.  Hey, if it works for UPS, it should work for all us.  I don't like waiting at lights to make left turns, do you?

9) Hire day laborers.  This one may be against your political moral ground, and I respect you standing by your principles.  But for those who can use cheap labor for a big or hard job around your home (pulling weeds, pruning a tree, etc.) you'll save money by not hiring a certified professional.

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10) Ask for a 10% discount for buying a returned and taped product at the store.  I do this all the time at Home Depot and Lowes.  This past summer I needed a room air conditioner and I picked a box that showed signs of being taped up, meaning, someone had returned the AC for whatever reason.  I asked for a 10% discount at the cash register and got it!  The AC worked fine by the way.

When it comes to saving money, the only limitation is your imagination.  So go out there and let your creative juices flow before you pull that debit card out of your wallet.  Thanks for reading!  

Sunday, October 15, 2017

How My Little Personal Brand is Leveraging A Shark of A Brand

What's up my peeps!  You know, the Internet is like all the world's oceans combined.  It's this living thing populated by organisms either thriving or just barely surviving within their niches.  For people that are starting to build out a business for the sake of growing their personal brand, the only move they have is to create free content.  Free content in a space like Instagram or Snapchat or whatever platform you wish to target to align with the people you want to pay attention to YOU, is the only game in town for the guppies.

The sharks in the water get all the attention of course.  Something clicked and allowed them to build a massive audience of followers and wannabes.  They may have enamored followers with their looks (Instagram) or their extremely useful/funny/entertaining videos (YouTube).  And now, these sharks make bank leveraging their chosen platform.  They're the standard of social media success for others.  For many sharks, social media wasn't their "attention" springboard or big break, rather it was their already earned reputation for being extremely successful entrepreneurs and business people.

Take the case of Daymond John from the hit ABC TV show, Shark Tank.  He and his fellow sharks (Cuban, Mr. Wonderful, Barbara, Lori) made fortunes starting businesses that sold for millions of dollars.  Then they hit social media, not because they wanted to, but because they had to.  Their personal brand demanded they participate in the shit storm we all tune into daily because we are addicts of our phones.  Just last week I finished reading Daymond John's, The Power of Broke book.  I enjoyed reading all the stories of entrepreneurs who started from broke and carved out successful businesses from often blind opportunity and sheer determination.

One of the three books I read in the last 1.5 months

I think I enjoyed Daymond's power of broke story the most, however.  And I'm not just saying that because I recently became a member of his Rise and Grind Ambassador Program.  Yeah, I got the news via email on Friday.  In The Power of Broke, Daymond shared how he hustled in other entrepreneurial ventures before FUBU, like driving around an 8-seater van on the busiest public transportation roads in New York, picking up passengers and charging them fares comparable to the prevailing bus ride fee.  I enjoyed reading how in the early stages of FUBU, he and his partner had to find unique ways of getting their clothes where they could be seen by their target customer.  This meant leveraging powerful pop culture brands like LL Cool J.  He'd give LL Cool J free shirts for his dancers to use on videos during the hip-hop golden era, when music videos had all the urban and suburban youth eyes fixated on the television.

The email I received from Daymond's people.

He also leveraged the powerful Black Entertainment Television (B.E.T) media brand, buying air time, i.e., commercials at an incredible discount compared to the major television networks.  This brings me to today's lesson.  When you're small and you need the massive attention sharks command, your best strategy is to attempt to leverage a bigger brand.  It's like an accelerator to your own brand's growth.  Nothing else, save you going viral, will bring about as fast a growth. 

It's still too early to tell what my role will be as one of the probably many Rise and Grind brand ambassadors.  What I do know is that I didn't have to pay a penny to join the club.  I was simply scrolling one day on LinkedIN and found my way to one of Daymond's posts requesting people to apply for the program.  Of course I jumped on it.  It was opportunity jumping out at me.  By the way, LinkedIN is the place to be these days.  It's the next frontier.  When you see people like Gary Vaynerchuk (another whopper of a shark) posting regularly on LinkedIn, you know you're in the right spot.

It was important for me to not have to pay anything to be able to leverage a big personal brand.  I've tried to insert my guppy brand for free into the conglomerate that is Brian Tracy International to no avail.  He had this sponsored post on Facebook running for over a month: Co-Author a Book with Brian Tracy.  I clicked on it, signed up for the Webinar and joined it, only to discover at the end that in order to be part of this you had to pay like $8K.  To me, that's just buying your way into attention.  I was hoping there was a merit based process to be part of this opportunity, but alas, not this time.

Why would big personal brands want to help little brands?  Here's the thing, you can't just ask people for help.  You have to offer something in return.  What can you offer the shark you're trying to engage?  If you are lucky enough to get this shark's attention, what will you immediately offer in return for their help?  People are willing to help, but the relationship must be reciprocal.  Many of you underestimate this highly important gesture of back scratching.  I intend to not just be an ordinary brand ambassador for Daymond John.  I intend on being the best one he's got!

Thanks for reading and good luck!  If you liked this post and want to get more like them, please subscribe to this blog before you leave.           
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Thursday, October 12, 2017

If I Could Go Back In Time To Give My Teenage Self Advice, It'd Be...

What's up everyone!  So this October, on the 21st to be exact, I'll be a presenter at a youth conference in Pasadena, CA.  Called the Adelante Young Men's Conference, it hosts over two thousand boys/young men with their parents, other relatives, and mentors for a day of workshops given by Latino professionals.  I was super excited to have had my application (to be a presenter) accepted by the organizers.  The topic I'll be presenting: Success for Minority Teens & Their Friends.  That's right, I'll be sharing a few of the lessons that can be found in my book.

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I've also had a list of questions emailed to me.  For this conference, the teen committee came up with several important questions they suggest presenters answer during their session.  The first one on the list was: 

"If you could go back in time and give yourself advice as a teenager, what would it be?"

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Very interesting question, isn't it?  I think as adults we've all wondered about time travel into the past to give our young selves life changing advice.  Too bad Einstein said traveling back is impossible.  Into the future isn't.  Nonetheless, it's a worthwhile thought exercise.  What would you say to YOUR younger, teenage, self?  Below is what I'd tell myself and the applicable lessons this advice still holds for teenagers today.  So if you have a teenage son, daughter, nephew, niece, neighbor, etc. you may recommend they read these insights.

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1)  Save 90% of your allowance, or any money you've made doing odd jobs, or as a work-permit employee your early teenage years, and...once you hit 18 years of age, get yourself a Brokerage account and put all of that money in technology stocks.

Specifically, I would go back in time to the early 1990's and tell myself: "There's this company called, Apple not 20 minutes away from here in Cupertino.  You know...Oregon Trail, the Mac.  Well, put all the money you can save in its stock when you turn 18 in 1994, and leave it alone until January 2012!"

Now my younger self may have gotten impatient, not seeing anything really happening to Apple's stock price for over a decade.  My younger self may have also panicked in the early 2000s during the tech bubble crash and sold the Apple shares.  This brings me to tip number two I'd give myself:

2)  Investing requires patience and a long-term approach.

So, the sooner you start and get in the market, the better your odds will be of building a profitable position in a stock, ETF, etc.  Stay in, trade little, and keep buying if you have 30 or more years and a core of excellent company stocks or ETFs.

3) I'd also tell myself: "Embrace technology, don't just consume it."

Change was difficult for me.  As an anxiety sufferer, change always gave me discomfort.  So, despite growing up in Silicon Valley, being there when Google went public, and even having college graduate friends working at Google, it still took me around the same time as the average person to pick up what Google was doing to and for the Internet with its search engine.  Here was a company literally making marketing and advertising incredibly affordable for the hustling entrepreneur, and I didn't see it.  I could've jumped on Google's blogspot in the early 2000s and have been on the front-end of building a massive following.  But alas, I was too busy working my butt off as a professional educator.

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The same thing happened to me when all the social media companies began to democratize attention and fame.  I waited over a year to join Facebook.  I didn't have Twitter and a YouTube channel until 2015!  I didn't get on Instagram until 2016!  If you're not first, you're last!  Now everyone and their mother is trying to do the same...blow-up as an "influencer" in order to get sponsorships, speaking gigs, passive income from ads, and so on.

What teenagers these days should be devoting all of their non-school time to is Artificial Intelligence, Virtual Reality, and Voice (Alexa, Podcasts, anything sound).  These two are the next big tech innovations that will make people billionaires.

4.  When you get to college, find entrepreneurial type friends.

I was such a nerd in college.  I spent hours in the library and tutoring center studying for my Bio, Chem, Physics, and other science classes.  I made the Dean's List three times!  And for what?  In the end I got my Bachelor of Science Degree in Bio Sciences and a great education, but I failed to make many friends and connections.  My networking sucked!  People might tell you that you don't go to college to make a bunch of friends.  Oh but you do, you really do, and the more the better, provided you can keep up your grades.

I wish I'd ventured out of my comfort zone, out of the science buildings, and have gone into the areas where the engineers hung out, or where the business and finance majors studied.  If only I'd have looked around for atypical college students doing anything entrepreneurial.  Boy would I have latched on for the ride and the experience.  Every teenager today should have some type of entrepreneurial experience, and I'm not just referring to the senior year Economics class project some teachers give as an assignment.

5.  Stop wasting time and help others gain time.

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The one thing we can all agree we did a lot of as teenagers is waste our time.  I spent too much of my time watching television and playing video games as a teen.  I'd tell my teenage self to stop killing hours on the Nintendo game system unless I was set on becoming a video game designer or anything related to the gaming industry.  Whatever you do outside of school, it has to be in alignment with goals that lead you to grow as an individual, have better health, make money, or improve your relationships with close friends and family.

Then I'd tell myself to get creative about helping people save time.  What is Amazon if not a shopping time saver?  Uber saves people time behind the wheel.  Facebook saves people time from having to talk on the phone with their relatives or friends.  People want to save time with anything they can get their hands on, and the major innovations are simply a service or product designed to convenience the consumer.  Nothing is new.  Everything is just an alteration of what has been around for years.  So I'd tell myself to solve the limited time problem all humans have.


I could go on thinking of things I'd advice the teenage me, but you get the gist of it.  To be successful in life, you don't work on today's problems, you work and anticipate the problems that will come around 5-7 years from now.  You'll be first, and though you may have wagered on the wrong future, at least you can live your life regret-free.  Thanks for reading! If you liked this post and want more like them, please subscribe above.

Monday, October 9, 2017

The Downside of Home Value Appreciation, More Property Taxes!

Last week I got my latest property tax bill in the mail, just before December's installment.  As a resident of San Diego county, I always look forward to receiving mail from Mr. Dan McAllister, our Treasurer-Tax Collector.  I'm joking, btw.  But it is a very important piece of mail because the inside stubs hold the power to take away my home if not returned paid.  When I opened the envelope and pulled out the stubs I got a nice surprise: my tax bill increased by $327.  I now have to pay $3,326 this December and turn around and do it again by April 10.  How does my $6,652.96 annual property tax bill compare to yours?

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The downsides of owning a home many times outweigh the benefits.  Case in point: You can have all of your mortgage paid off by the time you retire, but do you really ever own your home?  No!  Stop paying property taxes and your home will be taken from you, auctioned off by your county.  I'm a homeowner that chose to not have my mortgage payment include escrow amounts for property taxes.  In retrospect, I wish I had.  Now each month I have to move over money from one account to another, and have the discipline to not touch this money until it's time to write the property tax check.

The stock market's epic run continues to make headlines.  The bull is geriatric by now, but it keeps on charging.  Getting less attention is the equally bubbling real estate market.  CNBC's latest report claims that for many homeowners, property values won't recover fully until 2025.  It states that "only about one-third have surpassed their pre-recession peak value..."  I can attest to that.  Before the recession, my home was valued on Zillow (obviously not an actual appraisal) between $805K and $815K.  Today, Zillow says my home is valued somewhere between $649K and $717K, with a "Zestimate" of $683K and a one year forecast of $689K.

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My home obviously lost a butt load of value during the recession, but did I complain?  No!  Because I was able to ask (challenging my assessment) and get much lower property tax bills from 2009 until 2015.  What determines someone's property tax bill amount?  It's important to understand how they are determined so you don't get screwed.  Paying them, a la happy-go-lucky, isn't always the best course of action.  Also, watch your mail for notification of a potential property tax hike to pay for schools, roads, libraries, and so on.  If you don't want any more taxes levied on your home, vote "NO"!

Property Taxes Are Determined By:

Of course math is involved.  Taxes levied on your home = (mill rate x taxable property value) divided by 1,000.  Investopedia.com has a great article you can read to learn all about the mill rate.  For our purpose, the main thing you need to know is that you can challenge the yearly estimation, i.e., assessed value of your property.  Prevailing local real estate market conditions are used to decide a reasonable market value for your home.  It's the Assessor's job to look at all of the relevant information with respect to your property to come up with a solid assessment.  What is this information?

1.  What similar properties are selling for
2.  What the replacement costs for your property would be
3.  Maintenance costs for the property owner
4.  If any improvements were completed (ex: adding a Granny Flat or a bedroom)
5.  The amount of income you're making from the property (if any)
6.  The amount of interest charged to purchase or construct a property like yours

When you think about places like the Bay Area, and how wild property values have skyrocketed there, you can't help but also feel sorry for homeowners.  Can you imagine how much in property taxes some of these homeowners are paying within these bubble type markets?  Denver, San Francisco, Seattle, Oklahoma City, Nashville are some metropolitan locations where values have turned up, no doubt unfavorably surprising homeowners with increased property tax bills.

Are there any breaks for homeowners?

Image result for Are all of your property taxes deductible for homeowners?

Seniors, 65 and older at the beginning of the year who have owned and lived in their residence for over 10 years may be eligible for the senior property tax exemption.  Check with your county office.

Landlords who rent the property out can of course fully deduct property tax bills on a dollar for dollar basis against the rental income they collect.

Homeowners who itemize can deduct property taxes but remember not all of it can be excluded from taxation.  How much in property taxes and mortgage interest you can use to offset income taxes is based on your tax bracket.  High earners get to deduct a larger percentage than do lower income earners.  Silver linings...

For most Americans, their home is their number one asset at retirement.  They used it like a bank to save money in the form of equity.  If your property appreciates over time, as most do, you stand to gain even more when and if you sell.  Of course, in the meanwhile, you will be paying more in the form of property taxes.  In many cases, people get priced out of their homes not because they can't afford the mortgage, but rather because the property taxes have become unmanageable.  Make whatever necessary adjustments to your monthly budget ahead of time, meaning, track your property's appreciation and expect an increase in property taxes.  It's the only way you won't be surprised...like I was.

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Friday, October 6, 2017

Owning Guns Or Saving for Retirement?

It's Friday, and I'm just starting to feel like things are normal in my life once again.  The tragedy in Las Vegas really hit home for me.  I had two co-workers (teachers) that were at the festival.  Both survived thank-God, but the husband of one of them was shot twice in the leg.  My co-workers have yet to return to school, and we miss them, but obviously want them to take as much time as they need to feel ready to come back.  With 500+ people injured by the terrorist who I shall not name, I'm quite sure many of you know of someone affected closely by this tragedy.

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CNBC wrote an article in 2015, immediately following the San Bernardino, CA shooting that took 14 lives, and noted that 31% of Americans own guns.  That figure is probably higher today.  Now here is where it gets interesting.  Gun owners don't buy one gun.  In fact, the average number of firearms owned by a gun owner is 5.  The top 3% of gun owners own more that 25 guns!  In other words, they've bought themselves an arsenal at the expense of other things like...saving for retirement, college for the kids, buying wealth building assets, etc.  It could be that alike the Las Vegas terrorist, these people are themselves multi-millionaires, and have money to burn.

But 5 is still an expensive number.  I believe it too.  You see, I've gone to Las Vegas many times.  My father-in-law once lived there.  My brother-in-law lives there still.  He owns guns.  I've shot these guns with him at two gun ranges in Las Vegas.  Seeing regular people like you and me shooting an AR-15 at a target is a real trip.  Target practice is not cheap.  Bullets are expensive!  And there are people who go to the range almost weekly to shoot.  The ammunition and gun store business is a 3.1 billion dollar industry, raking in nearly 500 million in profit every year.  AMERICANS ARE OBSESSED WITH GUNS!  Especially those living in rural counties.  55% of American rural county residents own guns.

Now a firearm purchase makes sense for some people.  I'm not here to be anti-guns.  I'm here to get people to think whether or not they should be cutting back on their visits to the range, or if buying another firearm is the best financial decision right now for them.

How Much Does It Cost To Own A Firearm

Of course the cost to own a firearm all depends on many factors.  The price of firearms vary widely.  So do the cost to permit them.  I found this great article over at outdoorlife.com that breaks down costs for different states.  I don't own a gun, but if I wanted to own one here in CA, I'd have to shell out money for the following,

$25 Handgun Safety Certificate
$167 to $187 Handgun permit/license fee
$300 Psychological testing (required in some jurisdictions)
2-year Renewal fee: $100 to $250

$369.99 Mossberg 500 8-shot 12-Gauge Security Pump shotgun (What I'd buy for home security)

With rounds and accessories, I'd be looking at over $1000 to be legal and have the shotgun at home ready to be put to use in the event of a home invasion...a very unlikely scenario for me.  How do people do it?  How do they afford multiple weapons, ammunition, accessories, having to pay for certification and permits, without at the same time compromising some other financial goals?  It's all about priorities, I guess, and for some people, gun ownership ranks higher than saving for retirement, or even college for the kids.  They consider their peace of mind to be priceless.

When my brother-in-law needed to cover his first month's deposit at a better apartment, he legally sold a couple of his pistols.  He kept one or two.  So, guns are not as much of a depreciating asset as are cars, for example, especially if they are kept clean and in proper working condition.

Long Term Costs of Owning a Gun?

Over at Aliengearholsters.com, Sam Hoober did an excellent job of breaking down the costs of purchasing a gun (one-time expense) and accessories.  He also extrapolated the costs of gun ownership for someone using their gun for 14-years.  Total cost?  $4,268.  Remember, this is just one gun.  The average is 5!

Another cost to be considered when owning guns is where to store them safely.  For really useful information on what to expect and how much it costs, check out the good and very helpful people at Topratedgunsafes.com.

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People who buy more than one weapon are obviously firearm hobbyists.  They enjoy partaking in legal gun related activity just like I enjoy cycling on my expensive road bike.  Only difference is I only own one road bike.  Still, I have friends who own multiple ones.  I cannot help but think how much money they're spending on those bikes, and what that money could mean for them if applied differently.  I maintain the same stance when it comes to gun owners going out of their way monetarily to buy multiple weapons.  Why?

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Monday, October 2, 2017

Samaira Mehta, 9-Year-Old KidPreneur Wants Kids to Learn Coding Playing CoderBunnyz

Today's post is written by an amazing kid, 9-year-old, Samaira M.  Yeah, folks, I just shared a link to her professional LinkedIn profile with all you.  I "met" Samaira on LinkedIn myself.  I can't recall if she invited me or I invited her to "Connect."  No matter, really.  Main thing is that I saw one of her posts while on the site on Friday.  By Saturday morning she had accepted my invitation to guest blog, and by the afternoon she had the piece you're about to read produced and delivered.  Talk about being a go-getter!  When I was her age in 1985, I spent my time watching Transformers and G.I. Joe cartoons, playing outside with my friends, and getting in trouble at school.

I kid you not, Samaira's piece was one of the easiest guest posts I've had to edit prior to publishing on this platform.  As a teacher, I was not only impressed with what she wrote, but also how nearly flawless it was.  So I added a few commas, some quotation marks here and there, and maybe changed a couple of verb tenses.  So what.  She's in 4th grade!  Anyway, enough set-up work here on my part.  With great pleasure, I'd like to now introduce you to Samaira, and her entrepreneurship story: (Please help her win!)  :)

Hi, my name is Samaira Mehta.  I’m an 9-year-old girl who lives in Silicon Valley, California.  I am a Founder, Speaker, Inventor and a Maker.  I created a board game, Coderbunnyz, and a company to teach coding to kids and kids at heart, ages 4 to 104! CoderBunnyz is the most comprehensive coding board game available today.


I started learning to code when I was 6.  I’m interested in learning to code because it’s fun and fascinating to make a computer program do something, all with some series of steps.  That means I’m breaking a big problem into a set of small problems, just like we always do with any problem in day-to-day life.

I still remember when I was 6 and my dad did a prank on me.  He showed me something on his computer screen that had one button and a command that said, “press this if you are beautiful.”  He told me to give it a try, but when my mouse pointer touched the “...you are beautiful” command the button disappeared.  I’m like, “How did you do that? Am I not beautiful?  What’s going on here?”  He told me it was all made of something called code, and that left an impression on me.  That’s when coding started for me. Since then I’ve spent so much time learning to code.  Besides coding I am a blogger, song writer, singer, swimmer and an ice skater.

My entrepreneurship story starts out one day in the summer after first grade.  I was playing board games with my family.  I had a huge stack of board games, and I won most of them!  So my parents got bored and stopped playing.  I went to the computer to do some coding.  Immediately I had this weirdly awesome idea! What if I make a board game that teaches kids to code! Wow! That was a big thought!  I told my parents my idea, and they were very surprised.  Their mouths were wide open!  They told me I could do it! I was so happy.  My journey had just begun.  I started to think of the name of my game while looking at my bunny and got the name, Coderbunnyz!  And so with the help of my parents and graphic designers from all over the world, I brought my imaginations to life.  It took many email exchanges with the graphic designers, but we finally did it.

I do workshops at libraries, tech events, corporations, in community and at schools to introduce Coderbunnyz and coding.  Within little time, kids learn basic and advanced programming concepts.  Turns out all computer languages like Scratch, Python, Java and C use these same concepts.  So once a kid learns the fundamentals by playing CoderBunnyz, it makes it that much easier for them to learn any coding language. The idea is easy - play a board game, make code, and learn coding.  All fun!!


My board game, initiative, and all the other work has been an amazing journey.  I have met so many wonderful people.  One thing I have learned, if there is a problem, then there is always a solution. So yes, there have been problems we encountered.  For example, when I got my first prototype I saw a lot of things that we wanted to change to make the game look better, and we had to summarize all the issues. Those are not always easy to work out.  I needed to carefully review the changes so that the game would be nearly perfect before I can get it to market.

There was another time when we were at a workshop and the laptop wouldn’t display on the screen.  We had 15 minutes, and it took some real debugging fast to fix the problem. But it was done in time for the workshop to start.  So yes, problems are great as they bring opportunity to solve them, and by the way, coding is also a problem solving exercise.

Bringing a product to market is a great journey, not an easy one. There is a lot that needs to be done to make a game available for all those who would like to get a copy. But now the game is available at Amazon!

I feel very proud, but at the same time this is just a beginning. I am a 4th grader and am still learning basic math and science.  I have a long way to go. That keeps me grounded and humble.  My dad always tells me, “no matter who you become, never forget the start and stay on ground always.”


How YOU Can Help Me:

I started with a mission of bringing coding and smiles to each and everyone in the world, and to give momentum and visibility to that work.  Here's how you can help. It’s a 6 second process.

Click on this link:

There is a voting button at the end of the page. Coder Bunnyz (Samaira) is the 6th question.  I’m up for Young Inventor Of the Year category.  Can you please vote for me?  Once done let me know in the blog comment section so I can thank you. (Every vote counts).

Thank-you very much!

Samaira Mehta


Samaira M.jpg

Thursday, September 28, 2017

If Your Parents Haven't Saved for Retirement, YOU Better Be Saving for Their Death

Many people in the lower, middle-class and many more in the poverty zone are not retirement ready.  The latest data on Baby Boomers paints a dire picture: many have zero or insufficient amounts of retirement savings.  Last year, GoBankingRates.com published a study that showed that 28% of seniors in this country don't have any retirement savings!  If you're a generation X'er who has parents that are part of this 28%, you're not feeling happy with your folks right about now.  Maybe they're managing to survive on their own still today, but fast approaching running out of money.  Or they're living off social security, and barely making ends meet.  You may have to spot them a Benjamin here and there so they make it through each month.  Not good.  

Survey: Comparison of How Much Millennials, Gen Xers, Boomer and Seniors Have Saved for Retirement 

Both my parents live off one pension, my dad's.  He worked for Santa Clara County and retired with a Public Employee Retirement Savings pension.  Provided California doesn't go bankrupt, he should be okay.  Still, living in one of the most expensive cities to live in this country, San Jose, doesn't make me (or them) feel financially secure.  He stresses all the time about not having enough money to pay for food and the mortgage to his ridiculously over-priced 900-square-foot, 2-bed condo.  Selling it is not an option right now, though he'd stand to make a considerable return because of the equity.  He supplements the income from his pension by renting a room to my uncle, my mom's brother.  It's an all too common scenario for poor folk out there, renting rooms to extended family.

Image result for number of Baby boomers without retirement savings

I'm already scared by the retirement crisis that could be a part of my own reality in the future.  So I save via my teaching pension, two Roth IRAs, and a 403b every month.  This helps alleviate some of my anxiety.  As one of four siblings, I'm second in line to help my parents in the event of an emergency.  My older sister, Claudia, lives in San Jose and is there to help my parents immediately, including financially, should something happen or change.  My younger brother and sister are Millennials (big age gap between us), and are struggling to carve out their own place in our society, alike all other Millennials.

If my parents and their retirement savings lasting was all I had to worry about, I'd be a happy camper.  But I happen to be married, and my wife's parents became my parents as well.  Because of a medical emergency, and lack of retirement savings, my father-in-law now lives in my home (Jessica's parents are divorced).  I live in a 5-bedroom home so there is plenty of space.  We support him financially in many ways.  But he's not doing so well.

This brings me to an even darker scenario.  You see, if 28% of Baby Boomers didn't save for retirement, are they saving at least for their FUNERAL?  Uh...hello...old people die.  Why isn't anyone talking about this?  Death is expensive!  This article was published this month, and it claims that the average cost of a North American funeral and burial is now between $6K and $10K!  If your parents aren't saving for their retirement, what makes you think they're saving for their death?  So as the child of a broke parent, chances are you and your siblings (if you're lucky to have any) will be footing the bill for your parent's funeral.  And lets compound this situation if you happen to be married to someone whose parents haven't saved for their death either.  That means that you could be paying thousands of dollars to bury up to four adults in your own lifetime.

What Can Be Done?

Well...crap...get on your parents today!  Tell them that their retirement savings plan was an epic fail, and now they should at least not burden you with their death.  $50 a month if they're in good health!  Can they save this much each month for their respective funerals and burials?  I think they can.

Image result for what is the average cost of a funeral and burial

If they can't save the $50 a month, then it's up to you to do it.  Have your siblings save $50 also each month.  Unfortunately, your parent's death is going to have to be included in your new monthly budget.  Unless your parents are already on it.  Otherwise instead of grieving properly, you'll be wondering if you even have enough for a decent headstone.  Heck, you may have to cremate them and go against their wishes!  If you can't afford it, you can't afford it.  Are you going to put the expenses on your credit card and be in debt for years?

Very sticky situation isn't it?  But we must all monetarily prepare for the death of our parents, just in case they didn't. It's not fun talking to your parents about finances and their demise, but an adult child must if they are responsible.  Are you responsible?

Thanks for reading!  Until next time.  If you liked this morbid blog post and want to get more like them, please subscribe.